Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 391–405 results
- Centric Federal Credit UnionRegular CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Offer: Penalty for early withdrawal.
3.93% interest rate · Effective Sep 28, 2026
Rate checked
More details - Eastman Credit UnionInvestment CertificatesCD · 36–48 months · $1,000 min · 4.00%–4.05% by balance
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
Offer: Term: 3 to 4 Years (1,095 to 1,460 days). Early withdrawal penalty: 180 Days' Dividends.
3.93% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investment Certificates Balance APY $1,000 and upYour amount 4.00% $100,000 and upJumbo tier ($100k Minimum). 4.05% Rate checked
More details - Payne County BankCertificates of DepositCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: $1,000 minimum deposit to open; Interest payable monthly on deposits of $5,000 or more; Early withdrawal penalty applies (3 months interest for < 18 months maturity, 6 months interest for 18 months or longer).
Offer: Term: 36 Months; Fixed interest rate; Early withdrawal penalty equal to 6 months interest.
3.93% interest rate · Effective Sep 29, 2026
Rate checked
More details - Garrett State BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Certificate terms from 91 days to 60 months. Fixed rates and rate bump options available. Early withdrawal penalty may apply.
Offer: 36 Month Regular. Early withdrawal penalty may be imposed.
3.94% interest rate
Rate checked
More details - SUN Credit UnionStandard Certificates of DepositCD · 36 months · $2,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Minimum deposit as low as $1,000.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - MIDFLORIDA Credit UnionCertificate SpecialsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity.
Offer: Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal.
Balance cap $5,000,000 · Effective Oct 1, 2026
Rate checked
More details - Nebraska State Bank & Trust CompanyCertificates of Deposit (CDs)CD · 36 months · $500 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,0003.94% interest rate · Effective Oct 14, 2026
Rate checked
More details - Emblem Credit UnionTerm Share Certificate AccountsCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro rateRequirements
Product: Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
Promotional rate · 3.92% interest rate · Effective Oct 15, 2026
Rate checked
More details - LSB Community BankCertificates of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000intro rateRequirements
Product: Minimum balance to open an account is $2,500 ($500 for minor). Minimum amount to earn APY is $500. Early withdrawal penalty will be imposed if CD is closed prior to maturity.
Offer: New Accounts. Minimum opening balance is $2,500 ($500 minor); minimum to earn APY is $500.
Promotional rate · 3.93% interest rate · Effective Oct 10, 2026
Rate checked
More details - Wings Credit UnionStandard Certificate of DepositCD · 36–41 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APYRequirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Interest compounded daily. No monthly maintenance fees.
Offer: All balance tiers.
Compounded daily
Rate checked
More details - Sikorsky Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. APY assumes dividends and principal will remain on deposit until maturity; withdrawals reduce earnings and early withdrawal of principal is subject to penalty. Membership eligibility in Fairfield, New Haven, or Hartford County, CT or Sikorsky Aircraft employment required.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Kirkwood BankCertificates of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
Offer: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
4.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate.
3.92% interest rate · Compounded daily · Effective Oct 14, 2026
Rate checked
More details - Tucson Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$1,249 over 36 months on $10,000Requirements
Product: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
Offer: Disclosed dividend rate 3.92%. 3 Year term.
3.92% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 3-year CDs pay nationwide
4,160 CDs at 3,669 banks and credit unions · checked Oct 22–24
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank